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All Journal Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Riwayat: Educational Journal of History and Humanities
Zulfialdi, M. Farid
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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Journal : Riwayat: Educational Journal of History and Humanities

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The Effect of Financial Attitude, Financial Literacy, and Financial Technology on Financial Inclusion With Financial Self-Efficacy as a Mediator: A Study on FEB Students at State Universities in Surabaya Zulfialdi, M. Farid; Hartono, Ulil; Haryono, Nadia Asandimitra
Riwayat: Educational Journal of History and Humanities Vol 8, No 3 (2025): July, Social Studies, Educational Research and Humanities Research.
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jr.v8i3.47998

Abstract

This study aims to analyze the influence of financial attitude, financial literacy, and financial technology on financial inclusion with financial self-efficacy as a mediating variable among students of the Faculty of Economics and Business at public universities in Surabaya. This research uses a quantitative approach, with data collected through questionnaires distributed to 209 respondents selected using purposive sampling. The data were analyzed using Structural Equation Modeling (SEM) with AMOS software. The results show that financial attitude and financial literacy do not significantly affect financial self-efficacy, while financial technology has a significant effect. Furthermore, financial attitude and financial technology have a positive effect on financial inclusion, whereas financial literacy does not show a significant effect. The mediation test reveals that financial self-efficacy only mediates the relationship between financial literacy and financial inclusion. These findings emphasize the importance of strengthening self-efficacy and utilizing digital financial technology as effective strategies to encourage student participation in formal financial systems.
Co-Authors Muhammad Sulhan Nadia Asandimitra Haryono Ulil Hartono